The affected persons will have seen a greater than 18 percent rate hike.

Though the majority of Americans did not see a rate increase steeper than 18 percent, it’s believed that upwards of 1 million of the 5.5 million flood insurance policy holders will receive a check in the near future.

With nearly a fifth of all American flood insurance customers negatively affected by rising costs, Congress is hoping that a high-deductible option will help make flood insurance affordable for Americans who require it and those who do not, but wish to err on the side of caution.